What is not discounted?

Non-medical services such as routine grooming and boarding, outsourced services such as blood work sent to a lab or an outside specialist, mileage fees, and products you take home such as medications and food are not discounted.

Please note: You cannot combine the discount with other discounts or service packages.

What are the exclusions?

Pet Assure has no exclusions based on age, breed or type of pet, and every in-house medical service is discounted. Pre-existing and hereditary conditions are also covered with Pet Assure. You can use the Pet Assure discount every time you go to the participating vet; discount usage is unlimited.

The discount does not apply to non-medical services such as routine grooming and boarding, outsourced services such as blood work sent to a lab or an outside specialist, mileage fees and products you take home such as medications and food. Pet Assure members receive a 15% discount at PetCareRX on all ‎products, including pet food, prescriptions, flea & heartworm preventatives and more.

Please note: You cannot combine the discount with other discounts or service packages.

How long after I enroll can I start using Pet Assure?

Immediately! When you sign-up on our website, you will be given a link to print your Pet Assure card. If you provide your address during registration, we will mail you a Pet Assure card within 1 - 10 business days.

Do I need to file claim forms?

Does Pet Assure have a lot of fine print?

No. Pet Assure is easy to use with no exclusions and no limitations. Participating veterinarians will give you the discount on all in-house medical services for all your registered pets, right at the time of service. No complications or exceptions!

Why do veterinarians give the discount?

Because they know that Pet Assure clients care about their pets. You receive quality pet care at a more affordable price, and the veterinarians gain new clients like you that are dedicated pet parents.

Pet Assure vs Pet Insurance

Pet insurance covers 70%-90% after you have met your deductibles if the medical service is a "covered instance." The fine print on these policies often limits or excludes hundreds of services. In their public disclosure to state insurance regulators, insurance companies report that for every dollar they receive in premiums they actually only pay out to their policyholders about 50¢.

Pet Assure’s veterinary discount plan is the pet insurance alternative with no deductibles and no exclusions. The Pet Assure plan more than pays for itself.

Can I use Pet Assure together with pet insurance?

Yes. Pet insurance can be a good option for some pet owners, but it has its gaps, and Pet Assure helps fill those gaps:

Instant Savings: With pet insurance alone, you will pay for the veterinary service in full at the time of service and then file a claim. If you have Pet Assure too, the veterinary practice will reduce the amount of your bill right at the time of service, before you pay.

No Deductibles – Pet insurance requires members to meet their deductible before they will cover any claims. Pet Assure has zero deductibles, and members start saving on veterinary services right away.

Denied claims - Pet insurance rarely covers pregnancy, hereditary or pre-existing conditions, conditions that occur within the initial waiting period after you sign up for the insurance policy and can limit or deny coverage for a variety of other reasons. If you have Pet Assure, you will still save on these medical instances.

For most Pet Assure families, Pet Assure saves much more than it costs. As stated by Consumer Reports, the lifetime cost of a pet insurance policy is typically much higher than what the policy pays out to the pet owner.

Premiums - Insurance premiums are typically $400 - $1200 per year for each pet. The most expensive Pet Assure plan is less than $10 a month for each pet.

Deductibles - Most pet insurance plans have deductibles of $100 - $500. That means that you would need to pay the amount of your deductible before insurance would start to pay for your coverage. With Pet Assure, you get savings from your first visit and on every visit; there is no deductible.

Pre-existing conditions – If an insurance company decides that your pet contracted an illness or condition before you purchased the policy, they deem it "pre-existing" and will not reimburse you for the associated costs. In addition, even if your pet develops a condition after you purchase the policy, the insurance company may refuse to renew the policy after the policy expires at the end of its year. Pet Assure covers pre-existing conditions, without exceptions.

Waiting Period - Most insurance plans have a 7-day to 30-day waiting period during which any illness is not covered, and particular illnesses and conditions can have much longer waiting periods. If your pet contracts an illness during the waiting period, it will not qualify for insurance coverage and, now that the illness is a "pre-existing condition," the illness will not be covered even after the waiting period. When you enroll in Pet Assure, you will get an email with a link to print a card that you can use immediately – no waiting period!

Exclusions - Insurance policies can have as many as 200 exclusions for illnesses common to the breed, hereditary conditions, etc. Many pet owners have discovered, after paying insurance premiums for years, that their first big claim is being denied because it "is inherent or prevalent in the breed."

Wellness Visits – Most pet insurance plans either don't cover wellness visits or cover it only if you buy an extra insurance rider. Wellness visits are included in the standard Pet Assure policy.

Payout Limits - Insurance policies usually have pre-defined payouts for common ailments, plus they have yearly and lifetime payout limits. Pet Assure usage is unlimited, you can use it as many times as you need to, regardless of the treatment costs.

Claim forms – With insurance, you first need to pay your vet in full, then file the claim with insurance, and then wait to be reimbursed. With Pet Assure, the veterinarian provides the discount right at the time of service!

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NO EXCLUSIONS!

Every in-house medical service is covered, even pre-existing conditions.

Please note: You cannot combine the discount with other discounts and service packages, and there is no discount on non-medical services such as routine grooming and boarding, outsourced services such as blood work sent to a lab or an outside specialist, mileage fees and products taken home such as medications and food.

*All procedures must be completed in-house. Outsourced services are not covered.